Material Loss or Damage

Designed to help cover physical loss or damage to your business assets (e.g. building, contents and stock), at your premises from certain sudden, unexpected or unforeseen occurrences (Perils e.g. Fire, Storm Damage). Flood Cover is typically excluded from standard products.

Business Interruption

Helps cover loss of income to your business as a result of material damage to your property and can assist with additional increased costs of working.



Public and Product Liability

If you accidentally injure a third party, such as a client, or damage their property (including vehicles), you may be liable to compensate them for their loss or injury, and any subsequent legal costs incurred.


Customer Motor Vehicle

Helps cover customer motor vehicles on your property that are damaged or stolen. Accidental damage cover is also available if an incident occurs when moving a vehicle on your business premises or even test driving on public roads.

Burglary

Helps cover loss of your contents and stock due to theft from forcible and violent entry to your premises.




Money

Designed to help cover your business’s money whilst on your premises and in transit.




Glass

Helps cover the costs of replacing internal or external glass that is accidentally damaged or broken (e.g. windows including advertising signs).

Computer Electronic Equipment

Helps cover breakdown of electronic equipment at your premises (e.g. photocopiers, computers, POS).

General Property (Special Risks)

Designed to help cover loss or damage to portable property (e.g. laptops).


Machinery Breakdown

Machinery such as hoists are critical to your business. Machinery breakdown insurance can help cover any sudden or unforeseen breakdowns of your equipment that is housed on your business premises.

Tax Audit

Helps cover Accountant’s Fees in connection with an audit of your business conducted by the Australian Taxation Office.


Professional Risks

Designed to help cover costs and expenses arising from incorrect advice (such as incorrect issuing of a road-worthiness certificate).